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Protect Yourself & Your Loved Ones With Our Complete Family Pack
Protect Yourself & Your Loved Ones With Our Complete Family Pack
If you want to make sure you and your partner are protected, whatever happens, our Family Pack is the perfect solution. It offers everything you need to safeguard your assets, as well as giving you control over the handling of your finances and personal care in all situations. Find out more about what’s included below.
What’s included in the Family Pack
Our Family Pack includes everything you and your partner need to make sure you’re covered, whatever life throws at you. Not only is it a cost saving exercise by taking advantage of our special package price, it will save you loads of time too. No need to fill in forms over and over again and explain your situation to several people.
The pack includes a Mirror Will for you and your partner, a pair of Lasting Powers of Attorney (LPAs), a Mirrored Property Protection Trust and, if required, a Severance of Tenancy.
Mirror Wills
4 LPAs
(2 LPAs for each partner)
Mirrored Property
Protection Trust
Severance of Tenancy
(SEV)
Individual price
£1,220.00
Package price
£1,000.00
How Does Our Bespoke Service Work?
Answer a few questions about your circumstances using our simple form.
One of our dedicated Wills Specialists will get in touch to discuss your requirements.
Relax! We’ll draw up the documents to your wishes, so you can be sure it’s legally sound.
Receive your documents, sign and have them witnessed by two individuals. Sorted!
Our Will Writing Specialist is a member of The Society of Will Writers, meaning she has been independently assessed by the UK’s most respected Will Writing organisation. As part of the membership requirements, ongoing training and development is compulsory, so you know that our knowledge is totally up-to-date and accurate. To find out more about the benefits of using a Will Writer who is a member of this organisation, read our dedicated page here.
Create Mirror Documents to Express Your Wishes Together
If you and your partner are fully on the same page, creating Mirror Wills with Property Protection Trusts built in is a perfect solution. Mirror Wills, sometimes known as Bloodline Wills, are two
separate documents drawn up by partners who have similar wishes.
Mirror Wills are often used to express common intentions – like partners inheriting each other’s estates when they die. Unlike the outdated Joint Wills, Mirror Wills aren’t legally bound together – this means that each Will can be changed separately if you want to change your wishes in the future.
If neither partner has a Will in place, you lose control over what happens to your estate when you die. Creating Mirror Wills allows you both to protect each other, as well as any children you have, without being tied to the Wills you made together. We can simply build a Property Protection Trust into the Mirror Will to give you and your partner even more security when it comes to the ownership of your home, whatever happens.
What is a Severance of Tenancy and do I need it?
If you want to place your property into a Property Protection Trust, it’s important to first establish how the property is owned. It can either be held by Tenants in Common (TiC) or Joint Tenants (JT). For every property owned, the type of ownership will be registered with the Land Registry. Traditionally, all houses purchased would have been owned as Joint Tenants, meaning both partners own the home together. If either died, the other tenant would automatically inherit their share under the rules of survivorship.
Joint Tenants can use a Severance of Tenancy to become Tenants in Common. As Tenants in Common, each partner owns their own distinct share of the property and can gift it to whoever they want – it doesn’t automatically go to the other tenant. If you currently own a house as Joint Tenants, you’ll need a Severance of Tenancy before you can gift it however you wish in your Will or Trust.
Mirrored Property Protection Trusts
Leaving your property in a Trust, rather than simply passing it on to your spouse as part of your estate, has many benefits. Some of the reasons why it’s better to place property in a Trust includes:
- saving on Inheritance Tax for future generations
- having more control over what happens to the property in the long term
- details about the contents of the Trust remain private (unlike a Will)
- your loved ones can access the contents of the Trust more quickly when you’re gone
This type of Trust is the perfect accompaniment to a set of Mirror Wills. We build the Trust into your Will. Speak to us today to find out more about Property Protection Trusts.
Why go for the Family Pack?
Benefits |
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|---|---|---|---|
| Features | |||
| Offers control over your estate and protection for your loved ones | |||
| Saves you £220 on all of these services purchased separately | |||
| Let’s you add specific wishes for your own Will which can differ from your partner | |||
| Enables you to create a Will together, but still retain control over your own belongings | |||
| Lets you both create a combined LPA for both Financial and Health and Wellbeing needs | |||
| Means you only have to fill out one set of paperwork between you | |||
| Gives you and your partner peace of mind that you’re covered, whatever happens | |||
Questions
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Yes. It is very common to name the executor of your Will as one of the beneficiaries. This is completely legal and won’t cause any complications in enacting your wishes.
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You can either ask your executor to keep the original signed copy, or more commonly, have it placed in secure storage for safe keeping. Whatever option you choose, make sure that executors know where and how to access the Will.
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Unfortunately, yes. Your Will might be contested if someone who expected to benefit from your Will doesn’t. Although this isn’t a common occurrence, you can take steps to avoid any confusion and upset by just talking to your friends and family about your Will. Let them know what to expect.
It’s important that you seek expert guidance when creating your Will to make sure that all your wishes are clear and legally enactable.
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Technically, anyone over 18 can be a witness. That being said, don’t choose a beneficiary of the Will as a witness. If a beneficiary witnesses the Will, they forfeit their claim. We also recommend not choosing a friend or family member because it might cause conflict.
Having an impartial witness helps to prevent any unnecessary legal challenges in the future.
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If you create a Will and want all of your children to inherit, it’s important to make this clear. Don’t name some and leave others out (unless you explicitly want to). It’s a recipe for disaster, and it’ll probably end up being contested.
When someone in the line of inheritance who should by rights receive a share isn’t specifically named, it could be ruled as a mistake and be legally overridden. If you want to formally disinherit a child or a direct family member, you’ll need to make this clear and give your reasoning in your Will.
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Yes, these are known as Conditional Gifts. These are different to Absolute Gifts which have no obligations. If the recipient is to receive a Conditional Gift, then they must agree to the guidelines set in your Will in order to inherit the gift. For example, you may leave a gift of money to a grandchild on the condition that they use a portion of it to go to university. Another example would be that you leave a cash gift to a friend, on the agreement that they take on lifelong guardianship of your pet.
Any conditional gifts should ideally be discussed with the beneficiary before making the conditions. You should also make sure that the guidelines are clear. There are some things which can’t be set as conditions for gifts in a Will, such as requirements of marriage.
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You can, but you need to let your executor know. Your Will might not be looked at until after the funeral. You’ll need to create an Additional Clauses section within your Bespoke Will and use this to provide any guidance for your funeral. Remember, however, that it isn’t legally binding and your wishes won’t necessarily happen.
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No, once your Will has been created and signed by yourself and your witnesses, it’s a legally binding document. If you attempt to make any amendments to your Will after it’s been signed, it’ll invalidate the Will. If you want to make any changes to your wishes, you’ll need to make a new Will.
Assets
Things of value you have in your possession, which are able to be passed on to another person.
Beneficiary
A person who receives money or other benefits from a Will or Trust.
Contested
Challenging the legal validity of a Will.
Estate
The sum of a person’s assets – legal rights, interests and entitlements to property of any kind – less all liabilities at that time.
Executor
Someone who is responsible for executing, or carrying out the instructions of a Will.
Inheritance
Passing on private property, rights, and other assets upon the death of an individual.
Inheritance Tax
A tax on the estate (the property, money and possessions) of someone who’s died.
Intestacy
Government standard rules which apply when someone dies without leaving a valid Will, which dictate who is able to inherit that person’s assets.
Get in touch
Fill in the form to get in touch with our expert team. We’ll get back to you as soon as we can.
How will this questionnaire help me?
Wills can be complex legal documents and there are more than one type available. We offer a range of will services, because we know it’s important to ensure you get the service that’s right for you, at the best possible price.
By answering a few important questions, you can be confident that you’re not missing anything major which could cause complications in the future, and mean that your will is not fit for purpose.
Click the button below to start the questionnaire.